ING 1Q2023 Financial Targets Update

Wholesale Banking lending credit outstandings" Loan portfolio is well diversified across geographies... Wholesale Banking ...and sectors Wholesale Banking Real Estate, Infra & Construction Commodities, Food & Agri TMT & Healthcare Transportation & Logistics Diversified Corporates Financial Institutions Other 1% 12% NL 1% 9% 17% 10% Belux Germany 11% 33% 2% Other Challengers €271 €271 Growth Markets 8% Energy bln 7% bln 16% UK European network (EEA)²) 9% 12% 1% 9% 8% 6% European network (non-EEA) North America 17% 12% Americas (excl. North America) Asia Africa Wholesale Banking Asia 14% 1% 8% €47 20% bln 18% Japan 31% China³) ■Hong Kong ■Singapore 9% South Korea India Rest of Asia Selected countries/sectors Russia ■ €2.3 bln offshore exposure 4), of which €0.8 bln with ECA or CPRI cover Equity-at-risk Russian subsidiary €0.3 bln ■ €~1.2 bln has already been included in CET1 capital to cover for expected and unexpected losses through LLP (€~0.4 bln) and RWA (€0.8 bln equivalent of €6.2 bln CRWA at 12.5%) Oil and gas (Up-, mid- and downstream) €15 bln total exposure of which 87% is not directly exposed to oil price risk 1) Lending and money market credit outstandings, including guarantees and letters of credit, excluding undrawn committed exposures (off-balance sheet positions) 2) European Economic Area 3) Excluding our stake in Bank of Beijing (€1.6 bln at 31 March 2023) 4) Lending credit outstandings, money market, investment and pre-settlement, including guarantees and letters of credit, excluding undrawn committed exposures (off balance positions) 21

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